“I feel, very strongly, that we can get this done,” says Owens, “It is not going to be easy, but of everybody puts their shoulder to the wheel, we can gets this moving.”

But the industry says legislation approved last year hasn’t been given time to work. It creates a statewide database to track payday loans, to ensure that no person takes out more than two loans with a total limit of 500-dollars.

The industry predicts the database will eliminate up to 30-percent of payday loans in Kentucky.